The Performance Of Regional Rural Banks And Non Banking Institutions In Priority Sector Lending
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The Performance Of Regional Rural Banks And Non Banking Institutions In Priority Sector Lending
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Author : Paromita Dutta
language : en
Publisher:
Release Date : 2017
The Performance Of Regional Rural Banks And Non Banking Institutions In Priority Sector Lending written by Paromita Dutta and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with categories.
This paper addresses two main questions: Are the Regional Rural Banks (RRBs) and non-banking institutions of West Bengal performing well in the remotest part of rural areas? If so, how pervasive are they in priority sector lending? To address these questions, a study was undertaken by selecting a sample of 125 respondents from different remotest rural areas of West Bengal and the responses collected for each of the five different priority sectors, viz., agriculture, micro and small-scale enterprises, education, housing and others (includes Self-Help Groups (SHGs), joint liability groups, other backward classes, women, etc.), were analyzed. The study involved a two-step empirical procedure: exploratory factor analysis and Structural Equation Modeling (SEM). The findings of this study provide that apart from 'others' sector, none of the remaining priority sectors gives a positive indication about the effect of the performance of RRBs and non-banking institutions in priority sector lending. Due to the rising cost of Non-Performing Assets (NPAs), in the near future, operations of RRBs can only be improved if they are merged with sponsor banks or by going through the privatization route.
Rural Banking And Overdues Management
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Author : A. Ranga Reddy
language : en
Publisher: Mittal Publications
Release Date : 2004
Rural Banking And Overdues Management written by A. Ranga Reddy and has been published by Mittal Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Bank loans categories.
This Book Is Useful For Administrators, Bankers And Researchers For Their Day-To-Day Activities.
Social Banking
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Author : Dīpāli Panta Jośī
language : en
Publisher: Foundation Books
Release Date : 2006
Social Banking written by Dīpāli Panta Jośī and has been published by Foundation Books this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Agricultural credit categories.
With reference to India.
Regional Rural Bank In India Volume Ii
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Author : Dr. Labhubhai Jivrajbhai Vanani
language : en
Publisher: Lulu.com
Release Date :
Regional Rural Bank In India Volume Ii written by Dr. Labhubhai Jivrajbhai Vanani and has been published by Lulu.com this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Regional Rural Banks In Liberalized Environment
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Author : A. P. Pati
language : en
Publisher: Mittal Publications
Release Date : 2005-01-01
Regional Rural Banks In Liberalized Environment written by A. P. Pati and has been published by Mittal Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-01-01 with Business & Economics categories.
Regional Rural Banks And Development Of Weaker Sections
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Author : Dr.K Sivachithappa
language : en
Publisher: Lulu.com
Release Date : 2013-07-16
Regional Rural Banks And Development Of Weaker Sections written by Dr.K Sivachithappa and has been published by Lulu.com this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-07-16 with Business & Economics categories.
In India rural people such as small and marginal farmers, landless agricultural laborers, artisans and socially and economically backward castes and classes they have been exploited in the name of credit facility by informal sector. The rural credit market consists of both formal and informal financial institutions and agencies that meet the credit needs of the rural masses in India. The supply of total formal credit is inadequate and rural credit markets are imperfect and fragmented. Moreover, the distribution of formal sector credit has been unequal, particularly with respect to region and class, cast and gender in the country side. Regional Rural Banks were established under the provisions of an Ordinance promulgated on the 26th September 1975 and the RRB Act, 1975 with an objective to ensure sufficient institutional credit for agriculture and other rural sectors.This book is useful to policy makers and researchers in the field of Regional Rural Banks and Weaker Sections Development.
Priority Sector Lending In India By Public Sector Banks
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Author : Dr. Sanjeev Kumar
language : en
Publisher: EduPedia Publications (P) Ltd
Release Date : 2017-01-13
Priority Sector Lending In India By Public Sector Banks written by Dr. Sanjeev Kumar and has been published by EduPedia Publications (P) Ltd this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-01-13 with categories.
The book entitled “Priority Sector Lending in India by Public Sector Banks- A Study of Pre and Post-Reform Period” is a Ph.D. thesis evaluated by Dr. Tapan Choure, Professor and Head, Vikram University, Ujjain (MP) and Dr. Shakuntla Gupta, Professor, Punjabi University Patiala (Punjab). Both these evaluators had recommended the publication of the thesis in its present form. Two research papers have been published from this thesis in the journal of “the Finance-India” and the Indian Journal of Economics. Commercial banks are supposed to play an important role in achieving the economic development by providing effective institutional credit support to various regions/sectors/sections. Banking has been viewed as a catalytic agent that must develop and support not only single element of national economy, but, also provide an effective link between the productive, distributive and consumption side of it. One of the most important objective of government policies since bank nationalization has been to extend and expand credit not only to those sectors which were of crucial importance in terms of their contribution to national income and employment, but, also to those sectors which have been severely neglected in terms of access to institutional credit. Those sectors which were to be initially identified for this purpose were agriculture, small scale industries and self employed persons. These sectors were accorded priority status in credit allocation by the banks. In fact, priority sector is still the butter and bread, both, literally and figuratively of Indian economic growth. Therefore, they require a special status. Though, there is no known formal decision by the government regarding curtailment in priority sector credit, yet, serious attempts have been in recent years to dilute the norms of priority sector lending. New banking culture after banking sector reforms is set to focus on credit to customer durables’, to corporate allied and to capital market related activities. Since the aim of banking reforms is to make public sector banking more proficient in treasury operations, the importance of investing in priority sector seems to have lost its relevance for banks. The present study seeks to analyze the growth and structure of priority sector lending in different states during the pre and post-reform period in India. Further, an attempt is also made to probe the trends in disparities in priority sector lending across the selected states of India. The scope of the study is confined to priority sector lending by the public sector banks only. Since public sector banks represent majority of the commercial banking activities in India, the overall trend can be easily determined by analyzing the data of priority sector lending of the public sector banks alone. Public sector banks are those, which are included in the second schedule of Reserve Bank of India Act 1934. However, the regional rural banks are not included in the present study. The main objective of the study is to analyze the level and structure of priority sector lending in India during the pre and post-reform period. How with economic reforms, the growth and composition of priority sector lending has been affected needs to be analyzed. Further, to what extent the different stipulated targets of priority sector lending are met also remains to be examined. Whether, priority sector credit is evenly disbursed across different states/sectors or is confined to few states/sectors remain to be studied. So, the present study is an attempt to evaluate the performance of public sector banks during the pre and post-reform period in priority sector lending. The study comprises eight chapters in all. The first chapter contains the role of commercial banks in the process of economic development and the genesis of priority sector lending in India. Also, various issues relating to non-performing assets (NPAs) in priority sector lending is discussed in this chapter. Further, a brief review of literature on priority sector lending by the public sector banks has been presented in the second chapter. The third chapter outlines the need, scope, objectives, hypothesis, limitations and methods of investigations used in the study. In the fourth and fifth chapter, the performance of public sector banks in financing agriculture and small scale industries has been analyzed respectively. In the sixth chapter, the performance of banks with respect to ‘other priority sector’ has been evaluated. In the seventh chapter, the performance of public sector banks with respect to overall priority sector lending has been examined. The growth and structure of NPAs in priority sector lending are also analyzed in the seventh chapter. Finally, summing up of the findings and conclusions of the present study and suggestions for improving the quality of priority sector lending by public sector banks finds a place in the eighth (last) chapter of the study.
Regional Rural Banks Of India Evolution Performance And Management
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Author : Dr. Jitendra Kumar Ram
language : en
Publisher: Partridge Publishing
Release Date : 2015-06-11
Regional Rural Banks Of India Evolution Performance And Management written by Dr. Jitendra Kumar Ram and has been published by Partridge Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-06-11 with Reference categories.
Regional Rural Banks of India: Evolution, Performance and Management is a one-stop reference book on the genesis, growth, performance, and management of the Regional Rural Banks (RRBs) in India. It is the first book of its kind, which comprehensively examines the development of modern banking in India since the ancient period to 2013 and birth, growth, and performance of Regional Rural Banks from 1975 to 2014. It looks at all the facets of operations like structure, financial management, deposits, advances, NPA management, ALM, and risk management practices prevalent in RRBs. It also describes role of IT in RRBs. The book will fill the long-felt absence of an authentic book on the functioning of RRBs of India. The book is expected to serve as a handbook for the new recruits and also as a reference book for the senior bankers and policy makers. The book, rich with volumes of latest data, provides various regulatory guidelines pertaining to day-to-dayoperations, management, and control of the rural banks. The book is targeted at the professionals, academicians, as well as students.
The World Bank Legal Review
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Author : Hassane Cissé
language : en
Publisher: World Bank Publications
Release Date : 2011-11-04
The World Bank Legal Review written by Hassane Cissé and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-11-04 with Law categories.
This book focuses on the legal challenges and opportunities for International Financial Institutions in the post-crisis world. It includes contributions from academics, practitioners and Bank staff. The contributions cover a broad array of issues, included governance reform and constitutional framework of IFIs, privileges and immunities, responsibility of international organizations, issues related to fragile and conflict-affected states, climate finance, and the recent financial crisis. The book is organized in three main areas, namely (i) Law of International Organizations: Issues Confronting IFIs; (ii) Legal Obligations and Institutions of Developing Countries: Rethinking Approaches of IFIs; and (iii) International Finance and the Challenges of Regulatory Governance.
Indian Financial Sector
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Author : Rakesh Mohan
language : en
Publisher: International Monetary Fund
Release Date : 2017-01-20
Indian Financial Sector written by Rakesh Mohan and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-01-20 with Business & Economics categories.
This paper traces the story of Indian financial sector over the period 1950–2015. In identifying the trends and turns of Indian financial sector, the paper adopts a three period classification viz., (a) the 1950s and 1960s, which exhibited some elements of instability associated with laissez faire but underdeveloped banking; (b) the 1970s and 1980s that experienced the process of financial development across the country under government auspices, accompanied by a degree of financial repression; and (c) the period since the 1990s till date, that has been characterized by gradual and calibrated financial deepening and liberalization. Focusing more the third period, the paper argues that as a consequence of successive reforms over the past 25 years, there has been significant progress in making interest and exchange rates largely market determined, though the exchange rate regime remains one of managed float, and some interest rates remain administered. Considerable competition has been introduced in the banking sector through new private sector banks, but public sector banks continue have a dominant share in the market. Contractual savings systems have been improved, but pension funds in India are still in their infancy. Similarly, despite the introduction of new private sector insurance companies coverage of insurance can expand much further, which would also provide greater depth to the financial markets. The extent of development along all the segments of the financial market has not been uniform. While the equity market is quite developed, activities in the private debt market are predominantly confined to private placement form and continue to be limited to the bluechip companies. Going forward, the future areas for development in the Indian financial sector would include further reduction of public ownership in banks and insurance companies, expansion of the contractual savings system through more rapid expansion of the insurance and pension systems, greater spread of mutual funds, and development of institutional investors. It is only then that both the equity and debt markets will display greater breadth as well as depth, along with greater domestic liquidity. At the same time, while reforming the financial sector, the Indian authorities had to constantly keep the issues of equity and efficiency in mind.